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Kind of like saying, "I let my friend hit my new R1 for one drive and he put a huge pop up mark right on the crown and jacked up the topline...can I call TMAG for a replacement?" J/K

Seriously don't think calling TMAG will do you any good unless you want to get laughed at pretty hard. Only real option might be to let his insurance know that the car wasn't the only thing damaged, and they might be able to score him a new driver if that sort of thing is covered. And since it wasn't his fault(assumption) then I don't see why he wouldn't...

I wouldn't bother calling TMAG. They have no obligation to replace a club that's been broken due to an auto accident. This is something that should be handled through the insurance company. No need to try and take advantage of TMAG.

Wow. How about this novel idea............ having the person at fault pay? Well, he could have been rear ended by a TMAG rep...
Our country is doomed by this "Walmart mentality". It's the business that sold it to me's fault. Huh?
Go to a local retailer and buy a shaft and have it put in and bill it to the insurance company or the person at fault. Even getting a new driver out of the deal is not really fair to anyone in this scenario if the head isn't damaged. That club is now 2 models old.

Your insurance should cover the cost of the driver. I know i'd claim it if it happened to me.
To be honest though, I've called TMAG customer support before on an out of warranty driver issue (brother borrowed my original SF for the range and brought it back with something rattling around in there). They actually sent me a new driver and told me to ship the old one back in the box! I'll always be a taylormade fan because of their customer support (unfortunately, my club ho tendancies prevents me from carrying an all TM bag...)

Your insurance should cover the cost of the driver. I know i'd claim it if it happened to me.
To be honest though, I've called TMAG customer support before on an out of warranty driver issue (brother borrowed my original SF for the range and brought it back with something rattling around in there). They actually sent me a new driver and told me to ship the old one back in the box! I'll always be a taylormade fan because of their customer support (unfortunately, my club ho tendancies prevents me from carrying an all TM bag...)

I just had an experience where a car was stolen with some of my clubs in it and the insurance wouldn't cover ANYTHING on the inside (Clubs, Baby Seat, Visa+Cash etc etc etc) Full Coverage on Progressive. They laughed when I assumed that my stuff on the inside would be covered. Is this the norm?

Actually I'll take a bit of a different route. I believe "your friend" should be covered under his homeowners or renters policy. I know I just read mine recently and my personal possessions are covered if they are broken or damaged in transit from home to somewhere or somewhere to home, as long as it was an accident and not neglect. This sounds like the case to me.

Yes, Progressive was correct in telling you that (although laughing at their customer is a bit rude...). No auto insurance in the u.s. covers contents. Any personal belongings ( i.e. Contents) like the items you mentioned are covered under your homeowner or renters insurance and subject to that policy's deductible (which is typically 1% of the dwelling value of your home).

TripleGrindSole, on 21 February 2013 - 02:23 AM, said:

tocino, on 20 February 2013 - 01:48 PM, said:

Your insurance should cover the cost of the driver. I know i'd claim it if it happened to me.
To be honest though, I've called TMAG customer support before on an out of warranty driver issue (brother borrowed my original SF for the range and brought it back with something rattling around in there). They actually sent me a new driver and told me to ship the old one back in the box! I'll always be a taylormade fan because of their customer support (unfortunately, my club ho tendancies prevents me from carrying an all TM bag...)

I just had an experience where a car was stolen with some of my clubs in it and the insurance wouldn't cover ANYTHING on the inside (Clubs, Baby Seat, Visa+Cash etc etc etc) Full Coverage on Progressive. They laughed when I assumed that my stuff on the inside would be covered. Is this the norm?

Yes, Progressive was correct in telling you that (although laughing at their customer is a bit rude...). No auto insurance in the u.s. covers contents. Any personal belongings ( i.e. Contents) like the items you mentioned are covered under your homeowner or renters insurance and subject to that policy's deductible (which is typically 1% of the dwelling value of your home).

TripleGrindSole, on 21 February 2013 - 02:23 AM, said:

tocino, on 20 February 2013 - 01:48 PM, said:

Your insurance should cover the cost of the driver. I know i'd claim it if it happened to me.
To be honest though, I've called TMAG customer support before on an out of warranty driver issue (brother borrowed my original SF for the range and brought it back with something rattling around in there). They actually sent me a new driver and told me to ship the old one back in the box! I'll always be a taylormade fan because of their customer support (unfortunately, my club ho tendancies prevents me from carrying an all TM bag...)

I just had an experience where a car was stolen with some of my clubs in it and the insurance wouldn't cover ANYTHING on the inside (Clubs, Baby Seat, Visa+Cash etc etc etc) Full Coverage on Progressive. They laughed when I assumed that my stuff on the inside would be covered. Is this the norm?

Sorry to thread jack.

I appreciate your input. Definitely a lesson learned. Didn't have any renters so I am screwed.

Yes, Progressive was correct in telling you that (although laughing at their customer is a bit rude...). No auto insurance in the u.s. covers contents. Any personal belongings ( i.e. Contents) like the items you mentioned are covered under your homeowner or renters insurance and subject to that policy's deductible (which is typically 1% of the dwelling value of your home).

TripleGrindSole, on 21 February 2013 - 02:23 AM, said:

tocino, on 20 February 2013 - 01:48 PM, said:

Your insurance should cover the cost of the driver. I know i'd claim it if it happened to me.
To be honest though, I've called TMAG customer support before on an out of warranty driver issue (brother borrowed my original SF for the range and brought it back with something rattling around in there). They actually sent me a new driver and told me to ship the old one back in the box! I'll always be a taylormade fan because of their customer support (unfortunately, my club ho tendancies prevents me from carrying an all TM bag...)

I just had an experience where a car was stolen with some of my clubs in it and the insurance wouldn't cover ANYTHING on the inside (Clubs, Baby Seat, Visa+Cash etc etc etc) Full Coverage on Progressive. They laughed when I assumed that my stuff on the inside would be covered. Is this the norm?

Sorry to thread jack.

I appreciate your input. Definitely a lesson learned. Didn't have any renters so I am screwed.

Do yourself a huge favor. Get Renters insurance. It's not expensive a good company you can get about $25,000 of contents coverage for less than $200 per year, depending on the type of building and location obviously.

I just had an experience where a car was stolen with some of my clubs in it and the insurance wouldn't cover ANYTHING on the inside (Clubs, Baby Seat, Visa+Cash etc etc etc) Full Coverage on Progressive. They laughed when I assumed that my stuff on the inside would be covered. Is this the norm?
Sorry to thread jack.

Car insurance covers damage to the car, not theft of the stuff inside. Homeowners or renters insurance covers your stuff, whether its in your home or apartment, or elsewhere. It's one of the reasons that as a golfer, YOU SHOULD HAVE RENTER'S INSURANCE!. Your sticks are expensive, and if they're stolen from the golf club, your car, etc, renter's insurance will help replace them. Granted, there's still a deductible, but for a lot of us, it would take easily 4 figures to replace your bag, irons, woods and putter. Even with a $200 deductible, it's well worth the $100ish a year that renter's insurance costs. I take pictures of my bag and everything in it at the beginning of every season, just so I have proof of what's there in the case of something being stolen. Years ago I had a golf bag and clubs stolen off my enclosed porch, (by my paperboy, I know it but can't prove it) and the homeowners claim was pretty simple, but they were big on me being able to prove what was there. It's also a good idea to do a video walkthrough of your home once a year just in case of a fire or natural disaster. With the video, it's very easy to show the insurance company what you lost.

/end psa

In this specific case, the guy who rear ended the car's insurance may very well cover the cost of the broken items in the trunk. Absolutely worth checking on.

GrayMulligan. Excellent advice on the pictures/video of the personal contents. We do that every January--when our policy renews-and to make sure we document any new items we may purchased at Christmas.

Now if we clubho's document our bags every time we get something new, that could create more trouble at home than the insurance money is worth. Ha Ha

As an insurance agent in MA, i completely agree that the at fault party is responsible for replacing the driver under the Property Damage part of their policy. Auto policy wont cover personal affects unless they are permanently attached to the vehicle (radio/CD etc) Even if the OP had renters, it probably wouldnt make that much of a difference...$500 deductible vs a $400-$500 Driver is negligle. Wouldnt make sense in filing a claim...i would tell your buddy to contact whoever he was dealing with (either his agent, his own carrier, or the at fault party's carrier) ASAP and tell them in addition to the vehicle, a driver in the trunk was destroyed as a result of the at fault party's negilgence...and needs to be replaced at $xxx.xx replacement value...any questions, feel free to PM me.

To my man with progressive, your first move is to drop them.
Rule of thumb- cheap insurance = horrible coverage.
If you see them on TV every 5 min, it's Bc they are trying to replace policyholders they have lost from being unhappy about their claim.

To the OP, if dude who hit you has insurance, they will owe you for property damage, the car and personal property damaged in the loss.
They will handle personal property on a reimbursement basis, but you can go directly thru them for the damage to your car and save yourself the deductible and subrogation

Your insurance should cover the cost of the driver. I know i'd claim it if it happened to me.
To be honest though, I've called TMAG customer support before on an out of warranty driver issue (brother borrowed my original SF for the range and brought it back with something rattling around in there). They actually sent me a new driver and told me to ship the old one back in the box! I'll always be a taylormade fan because of their customer support (unfortunately, my club ho tendancies prevents me from carrying an all TM bag...)

I just had an experience where a car was stolen with some of my clubs in it and the insurance wouldn't cover ANYTHING on the inside (Clubs, Baby Seat, Visa+Cash etc etc etc) Full Coverage on Progressive. They laughed when I assumed that my stuff on the inside would be covered. Is this the norm?

Sorry to thread jack.

I have aaa and when my brothers car got broken in to he had to pay our deductible (500$) to get his stuff replaced